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Home›Florida›Taylor County›Perry›Universal Life Insurance

June Marcia Williams — Licensed Universal Life Insurance Agent in Perry, FL
June Marcia Williams
Your Insurance Agent in Perry, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Perry, FL...
National Producer No.
17209549
Verify ↗

Universal Life Insurance in Perry, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Perry, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — flexible permanent coverage with cash accumulation, no pressure, same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
❤️
3K+ Satisfied Clients
⭐
5-Star Service Rating
🛡️ NPN Verified
🏛️ 5-State Licensed
🏆 10+ Yrs Exp.
Right here · Perry, FL

Perry, FL — Your Local Producer

Hello, Perry neighbors! As a fellow Floridian and a licensed insurance producer, I understand the unique needs of families here in Taylor County. From the quiet charm of our historic downtown to the natural beauty that surrounds us, life in Perry is special, and your financial protection should be too. I'm June Marcia Williams (NPN: 17209549), and I'm here to help you navigate your options for life insurance, final expense, and other personal policies. Whether you're planning for the future or protecting against the unexpected, I offer personalized guidance to find a plan that fits your life. (Florida License No: W840529)

  • Taylor County Courthouse
  • Forest Capital Museum State Park
  • Perry-Foley Airport
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Perry

69 on public record · Florida DFS · Fla. Stat. §119.01

AO
Abel San Pedro Ortiz
Life Including Variable Annuity & Health
NPN 22234167 Licensed 2026
AH
Alan Christopher Hall
Life Including Variable Annuity & Health
NPN 20465476 Licensed 2022
AP
Alyssa M Paxson
Life Including Variable Annuity & Health
NPN 21055122 Licensed 2024
AM
Amber L Mathis
Life Including Variable Annuity & Health
NPN 20360482 Licensed 2022
AK
Auni King
Life Including Variable Annuity & Health
NPN 20605237 Licensed 2023
BJ
Billie Deon Johnson
Life Including Variable Annuity & Health
NPN 22095136 Licensed 2026
BK
Brenda Kirkland
Life Including Variable Annuity & Health
NPN 21344858 Licensed 2024
BJ
Breondra Toasha Jackson
Life Including Variable Annuity & Health
NPN 21381746 Licensed 2024
BF
Brittney L Freeman
Life Including Variable Annuity & Health
NPN 21639694 Licensed 2025
CW
Cathy Reene Wilson
Life Including Variable Annuity & Health
NPN 3540119 Licensed 2000
CG
Chance Jehquan Glanton
Life Including Variable Annuity & Health
NPN 20570891 Licensed 2022
CS
Connie Loraine Sullivan
Life Including Variable Annuity & Health
NPN 9025204 Licensed 2007
CT
Cory Gene Taylor
Life Including Variable Annuity & Health
NPN 17914694 Licensed 2016
CM
Crystal Gail Mcmullen
Life Including Variable Annuity & Health
NPN 18605099 Licensed 2017
CH
Crystal Hart
Life Including Variable Annuity & Health
NPN 22156812 Licensed 2026
DS
Danielle Corwin Sullivan
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 19921828 Licensed 2022
DG
Daryll Thomas Gunter
Life Including Variable Annuity & Health
NPN 3617498 Licensed 2018
DM
Delbert Cleveland Mcnutt
Life Including Variable Annuity & Health
NPN 20208713 Licensed 2022
DC
Devin B Collier
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 17854103 Licensed 2017
DS
Dorrie-Rene' Sapone
Life Including Variable Annuity & Health
NPN 21172733 Licensed 2024
ES
Elbert Earl Swann
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 504520 Licensed 1981
FA
Farraje D Allen
Life Including Variable Annuity & Health
NPN 20465982 Licensed 2022
FR
Filomena Naomi Radi
Life Including Variable Annuity & Health
NPN 2778983 Licensed 2024
HH
Hayden Lee Hingson
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 21527560 Licensed 2026
View all 69 licensed universal life producers in Perry →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Universal Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Universal Life Insurance across the Perry regional market. Rates are localized using regional health baselines.

Official Perry Resources

County Taylor County
Population ~6,879
Lack of insurance (18–64) 17.6%
FIPS code 1256150

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

Let June shop the market for your localized Perry rates. Start your quote request below.

FL OIR .GOV Taylor County Gov Portal .GOV
Google Maps
5.0 1 review
Town Hall photo 1
Photos by F3 Steve McQueen via Google Maps
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Town Hall
(850) 584-7161
cityofperry.net
220 S Jefferson St, Perry, FL 32347, USA
Recent Reviews
M E (ME) ★★★★★
"Thanks to President Biden for saving this town. You’ve given so much for our community!"
About Your Agent

Why Choose June?

A-Rated Security

Backed exclusively by top-tier, vertically integrated carrier capacity.

Rapid Underwriting

Algorithmic rate classifications drop processing times down to seconds.

Direct Pricing

Zero intermediary markup structures ensuring wholesale underwriting parity.

Digital Portals

Instant localized digital enrollment without offline processing roadblocks.

Read the full Universal Life Guide →

Select your coverage below to see your price in seconds.

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Flexible coverage for your changing needs — no obligation — custom strategies from top carriers

Your info is secure and never shared. June will contact you within minutes with personalized quotes. Pre-qualification is an estimate — final rates determined by carrier underwriting.
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Quote Request Received!

June will contact you within minutes with personalized quotes during business hours.

Or call now: (908) 339-7723

Want live updates on your quote? Tap to let June text your phone directly — rates, approvals, appointments.
Prefer to talk? Ask Lia — June's AI assistant: (908) 648-8689
Compare Plans

IUL Options

Simplified Issue IUL

No medical exam required
  • Simplified issue — fast approval
  • Issue ages 18–75
  • $25K–$300K face amounts
  • Living Benefits included
  • 20-year no-lapse guarantee
Get Quote
Most Popular

Cash Accumulation IUL

Cash accumulation focus
  • Fully underwritten — best rates
  • Issue ages 0–85
  • $100K+ face amounts
  • S&P 500 + 3 index strategies
  • Long-Term Care rider available
Get Quote

Protection-Focused IUL

Death benefit guarantee focus
  • Fully underwritten — best rates
  • Issue ages 0–85
  • No-lapse guarantee to age 90
  • Same 4 index strategies
  • Long-Term Care rider available
Get Quote
📖 Universal Life / IUL Knowledge

Everything You Need to Know About Universal Life Insurance

📈

How Does IUL Work?

IUL links your cash value growth to a market index like the S&P 500. You participate in market gains up to a cap rate (typically 9–12%), while a guaranteed floor (0–1%) protects against losses. Your money is never directly invested in the market — it's credited based on index performance. Flexible premiums let you adjust payments as your income changes.

🛡️

What Are Cap Rates and Floors?

The cap rate is the maximum interest credited in a given period — commonly 9–12%. The floor is the minimum — typically 0–1%. If the S&P gains 20%, you earn up to the cap. If it loses 15%, you earn the floor. Your cash value never decreases due to market loss. Important: carriers can adjust cap rates over time.

🏥

Can IUL Pay for Long-Term Care?

Yes. Many IUL policies offer a long-term care rider that accelerates the death benefit to cover nursing home, assisted living, or home health care costs. If you never need LTC, your beneficiaries receive the full death benefit. This hybrid approach eliminates the "use it or lose it" problem of standalone LTC policies.

💰

IUL for Retirement Planning

IUL can supplement retirement income through tax-free policy loans against accumulated cash value. With a properly funded IUL, you can access cash in retirement without triggering income tax. It works best alongside 401(k) and IRA contributions — not as a replacement. June helps structure the right funding level for your goals.

🔄

IUL vs. Whole Life vs. Term

Term: Cheapest, pure death benefit, no cash value. Whole Life: Fixed premiums, guaranteed growth, lower returns. IUL: Flexible premiums, market-linked growth with higher potential, downside protection. IUL is ideal for those wanting permanent coverage plus wealth accumulation with more growth potential than whole life.

⚖️

Florida Life Insurance Consumer Rights

Florida law gives you a 14-day free-look period — return the policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values — critical for IUL where projected returns vary. June walks you through both columns so you know exactly what's guaranteed.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA.
Life Insurance in Perry

More Insurance Options in Perry, FL

🛡️ Term Life 💎 Whole Life 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense
Insurance Resources

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FL Life Insurance Buyer's Guide

Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

Visit floir.gov →.GOV

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Frequently Asked Questions

Indexed Universal Life (IUL) FAQ

📈

How does indexed universal life (IUL) work?

IUL links your cash value growth to a stock market index like the S&P 500. You earn up to a cap rate (9–12%) with a guaranteed floor (0–1%) protecting against losses. Your money is never directly in the market.

🛡️

What are cap rates and floors?

Cap rate = maximum interest earned per period (commonly 9–12%). Floor = minimum (typically 0–1%). If the index gains 20%, you earn up to the cap. If it drops 15%, you earn the floor — cash value never decreases from market loss.

🏥

Can IUL pay for long-term care?

Yes. Many IUL policies offer a long-term care rider that accelerates the death benefit for nursing home, assisted living, or home health care. If you never need LTC, beneficiaries receive the full death benefit.

💰

Is IUL good for retirement?

IUL can supplement retirement income through tax-free policy loans against cash value. Best as one component of a diversified plan alongside 401(k) and IRA. June helps structure the right funding level.

🔄

What's the difference between IUL and whole life?

Whole life has fixed premiums and guaranteed but lower growth. IUL has flexible premiums and market-linked growth with higher potential. Both provide permanent death benefit. IUL suits those wanting more growth potential with downside protection.

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The Wacissa Legacy Plan

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Read the Full Universal Life Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

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